personal budget advice

The need for reform in Germany

History of the missed structural adjustments


The policy of the Federal Republic of Germany has until now no real structural reform has developed. The subsidization of obsolete structures had always prevail.


The first Konjunkturflauten in the Federal Republic were already in the seventies, but no later than in the eighties, to serious social and economic structure faults out. Despite continued unprofitable industries with government funds, jobs, in a modern economy, which is preparing a global to be no place anymore. So could you give people a perspective that would otherwise continue until their end of life from the work and thus from participation in society would be eliminated.

Reproduction of the structures


The maintenance of outdated economic structures, but not only meant to subsidize jobs, but also the reproduction of structures. We had outgoing workers repeatedly replaced by new. By subsidizing worthwhile addition entrepreneurial investment in non-competitive businesses.

Score government debt


The economic costs spiral, the resulting set in motion, led to ever-rising public debt. And the base structural unemployment, which is developing since the late seventies could watch remained. They cost too much money, no matter how deep is the minimum of social security strategies. Because the cost is not a question of the absolute number of unemployed, but sustainability.


In the eighties appeared a spate of labor studies and discussion papers, which deal with the issue of structural change involved. and in their analysis of the above conclusions were. It is also pioneering work of renowned scientists and institutions, mostly from politics in order personal finance software.

Two-class society and globalization issues


The Swiss Prognos AG, in a study several scenarios developed to represent the year 2000, what happens when the conservative Poltitik in the areas of labor, business, education and social systems continues, and what happens when fundamental structural reforms in this area. Among others were - in the conservative scenario - the development of a two-class society, the resulting social unrest, and problems of international competitiveness in the context of globalization predicts.

Structural reform of pensions and health insurance


With its proposals for reform of the pension and health insurance system provided the research institute under Professor Kurt Biedenkopf Miegel for excitement in the political landscape. The proposals: including a second, funded pillar to build and introduce compulsory insurance for all, in other words, the decoupling of the financing of the social systems of the employment.

Strukturrefom of the tax system


Prof. Wilhelm Hankel, recognized financial researcher, advocated a fundamental change in the tax system to the vast resources of the thriving underground economy for the Treasury to make available to and at the same time reducing unemployment. The proposal: the abolition of all direct taxes, instead switching to exclusive use taxes. This would automatically receive all income.

Abolition or reform of chambers and bodies


The Social Science Research Center Berlin (WIZ), above all, Graf von der Schulenburg, developed numerous working papers. One of them dealt with, for example, Neokorporatismus and described how traditional corporate structures (such as chambers of commerce, public authorities) to develop a modern society (and economy) hinder and ultimately to access restrictions on the labor market.

Subsidy reduction


The German Institute for Economic Development, Berlin (DIW) also published numerous papers, which are qualified with the labor market, economic structure and particularly the negative impact of the Berlin promotion deal.

The current economic and financial crisis


Had at least one of the many works but causes. The concepts of structural unemployment, and structural Strukturrefom were at that time in all Munde.Trotzdem until now there has been no reform initiative, which in any way bound by the scientific institutions complained about structural distortions approach would be no party program, the real structural reforms on his agenda would have .


Given the current financial and economic crisis today will again be discussed and announced reforms. The discussion about the rescue Opel also shows that the original political dilemma that the industry experts and research institutes already in the eighties had described, is effective today.

 Tools used in this article:

Household Budgets - Create a smart household budget for today's high costs
Budget Planning
- Stick to your Budget Plan
Personal Budget Worksheet
- Discreationary spending versus fixed expenses
Expense Tracker
- Your personal 24/7 expense tracker
Personal Budget Planning
- Know how and where to save

Cash Flow Template - Manage your cash flow in one place.
Budget Spreadsheet
- Set up online personal budget spreadsheet. It’s Easy
Budgeting Tools
- Control Your Expenses
Money Management Software
- Anytime access for information on your money
Home Budget Software
- Expert guidance for your home budgeting need
Make a Personal Budget
- Discreationary spending versus fixed expenses
Free Budget Worksheets
- Your data up-to-date and secure
Monthly Budget Calculator
- Automated budget planning